49 Adams St, Malden, MA 02148 Property Records

Middlesex County and Malden City property record for 49 Adams St, Malden, MA 02148

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,583 sqft · built 1923
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,896 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MALD M:032 B:202 L:221`

Property Details

APN / Parcel Number

Primary APN	`MALD M:032 B:202 L:221`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,583 sqft Living Area
Gross Area	3,800 sqft
Basement Area	901 sqft
Unfinished Basement	901 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	49 ADAMS ST
City	MALDEN
State	MA
Zip	02148-6412
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESA
Legal Block	202
Legal Lot Number	221
Jurisdiction	MALDEN MA
Township / Civil Division	MALDEN
Census Block Group	1
Census Block	1018
Census Tract	341200

Owner

49 Adams St, a duplex, is owned and occupied by two individuals.

Source: Middlesex County and Malden City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	49 ADAMS ST, MALDEN, MA 02148-6412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit WINTER HILL FSB
Jun 15, 2022	Deed of Trust, Mortgage · ARM WINTER HILL FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALDEN MA
Property Address	49 ADAMS ST, MALDEN, MA 02148-6412
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080279-65
Date	Jun 15, 2022
Book Page	80279/65
Instrument	89976

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALDEN MA
Property Address	49 ADAMS ST, MALDEN, MA 02148-6412
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080279-45
Date	Jun 15, 2022
Book Page	80279/45
Instrument	89975

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2032
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 49 Adams St was $5,896, up 10,62% from the year before.

Source: Middlesex County and Malden City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Malden City
Unified School District	Malden School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,896.00 (+10,62%)	$517,200 (+6.14%) Land $330,000 Building $168,400	$913,716
2025	$55.00 (-98.98%)	$487,300 (+5.98%) Land $297,000 Building $190,300
2024	$5,375.00 (-22.27%)	$459,800 (-18.95%) Land $280,500 Building $179,300
2023	$6,915.00	$567,300 Land $255,800 Building $311,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 49 Adams St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 49 Adams St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MALDEN WATER DIVISION (MWRA) serves 66,263 people · EPA ID MA3165000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Mar 2016
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 726 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Netafy Fixed Wireless	564 / 125
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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